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About Lockton Affinity, LLC

Lockton Affinity, an affiliate of Lockton Companies, was formed in 1987 to meet the dynamic, specialized insurance needs of affinity groups, non-profits, associations and franchises.

Your Guide to Working with Vendors

Working with vendors can be extremely beneficial to your Lodge. Specialized vendors that handle your Lodge’s food and beverage, alcohol, cleaning or technical needs can be a big help, boosting efficiency while saving on costs.

But working with vendors also presents some challenges. Partnering with a vendor can expose your Lodge to added risk, so it’s important to minimize the chance of potential problems.

The right level of insurance protection helps protect both you and your vendors, making sure you both are covered in the event of a claim. Here’s your guide to working with vendors and how to check your insurance coverages for a successful partnership.

What to Look for in a Vendor

Always work with vendors that are properly insured. Expertise, recommendations and performance are important but claims can happen even […]

November 25th, 2020|

How to Handle Complaints at the Lodge

Things often get busy at the Lodge, making it easy to overlook when a member, volunteer or guest brings up a complaint. Mistakes and misunderstandings happen every day, even when your Lodge is led by passionate, hard-working people.

While we all would like to minimize our mistakes, how you handle these difficulties is often more important.

A complaint represents a risk to your organization. Complaints that are brushed off or handled poorly can result in an unnecessary claim being made, which can cause stress, endanger budgets and lead to negative publicity.

It’s important for you to be aware of the kinds of complaints you may face and understand the best practices for managing a complaint. Here’s what to know, plus 4 tips to handle complaints at the Lodge.

Lodge Complaint Scenarios

Your organization is […]

November 4th, 2020|

How to Screen Volunteers: 8 Tips to Follow When Looking for Volunteers

Volunteers help contribute the skills, manpower and enthusiasm your organization needs to succeed without breaking the bank. But bringing new volunteers into your Lodge also presents risk, and that’s why all Lodges need to screen volunteers.

We would all like the believe volunteers get involved in causes and organizations for the right reasons, but this isn’t always the case. Poor decision-making, dishonesty and criminal misdeeds by your volunteers can seriously impact your organization. Your Lodge could be a victim of crime, suffer public relations issues or be held liable for a volunteer’s actions.

Here are 8 tips to follow when looking for volunteers for the Lodge. Follow these guidelines on how to properly screen volunteers to reduce your risk so you can focus on your mission.

  1. Create an application process—Having a […]
September 30th, 2020|

3 Common Fraternal Claims You Should Avoid

Every insurance claim is different, but some common fraternal claims come up more often than others. For Lodges, general liability claims, property damage claims and liquor liability claims come up over and over. Your Lodge is at a higher risk from these common claims, which is why it’s important to make sure you’re fully covered and take the right steps to minimize your chance of a claim.

General Liability Claims

General liability claims are common fraternal claims that can happen when you least expect it. General liability claims often involve accidents, injuries or damages to the property of third parties.

Such as when someone at the Lodge :

  • Has a slip-and-fall injury due to a wet floor
  • Ends up with car damage in the parking lot from a storm
  • Becomes ill from […]
September 1st, 2020|

How to Stay Safe in the Heat

It’s the height of summer, and many people are excited to be spending more time outdoors after COVID-related closures. But along with the fresh air and sunshine there is extreme heat that can be dangerous to your health.

As your Lodge schedules activities outdoors this summer, take the heat into account. It could mean the difference between a memorable outing and a medical emergency.

Help your Lodge members, volunteers and guests stay safe in the heat with these tips.

What to Know About Extreme Heat

Each year, extreme heat results in significantly more weather-related fatalities than extreme cold according to NOAA. Here’s what to remember:

  • Temperatures can rise to extreme levels quickly and sometimes without warning.
  • High humidity, measured with the heat index, makes it feel even hotter outside.
  • Full sun exposure may […]
July 21st, 2020|

Workers’ Compensation and Volunteer Accident Insurance

Employees and volunteers are at the heart of your Lodge, and as an organization, one of your greatest responsibilities is ensuring they all are adequately protected. You may need Workers’ Compensation and Volunteer Accident Insurance to fully protect them.

While your Lodge likely has Workers’ Compensation coverage if you have employees, it’s important to know this coverage isn’t for volunteers, who are best protected by Volunteer Accident Insurance. Understanding Workers’ Compensation and Volunteer Accident Insurance is crucial to ensure all your people are protected.

Here’s what to know about the difference in these two types of coverage and why your Lodge may need both types of coverage.

Understanding Workers’ Compensation for Lodge

Even with the best training and safety precautions, accidents are bound to happen. The consequences of an accident can […]

June 17th, 2020|

Knowing the Signs of Serious Illnesses

It’s not always easy to tell what’s wrong when you don’t feel well. Some symptoms can go unnoticed, while other signs of serious illnesses are so common we may ignore them. Knowing the signs of serious illnesses like heart attack and stroke helps protect your organization and community and can prevent an otherwise tragic outcome. Here’s what to know:

Signs of Serious Illnesses: Heart Attack

It’s not always easy to tell if something’s wrong with your heart. Everyone has aches and pains, but it’s important to know when discomfort could be a sign of something more serious.

1. Chest discomfort

Chest discomfort can include sensations of pain, tightness, pinching, burning, or pressure. The pain doesn’t go away after a few minutes and may worsen. This is a common sign, but it’s not universal.

2. […]

May 20th, 2020|

The Importance of Insurance

As recent events prove, life is full of uncertainty. Only a couple months ago, Moose Lodges across the country were preparing for their regular spring and summer activities. While things will get back to normal soon, the COVID-19 pandemic reminds us that things don’t always go according to plan.

While it is important to plan for our futures, it is also important to prepare for the unexpected. Uncertainty can lead to added stress and worry, which can have a negative impact on all involved. One way to prepare for the unexpected is insurance. The importance of insurance for Lodges comes down to three factors: protecting what you have built, minimizing the risks you face and proactively addressing the challenges of uncertainty.

Importance of Insurance: Protecting What You Have Built

Your Lodge and […]

May 6th, 2020|

Preparing for Volunteers at Your Lodge

Once life at your Lodge returns to normal, old and new volunteers will likely be looking for ways to give back. To prepare for the volunteers, examine your Lodge’s volunteer training and safety precautions.

  1. Update your Lodge’s emergency contacts

If there’s an emergency during an event, your volunteers will need to know how to reach you. On the other hand, a situation may arise where it’s you who needs to get in touch with a volunteer. Make sure everyone has the necessary phone numbers to facilitate important communication.

  1. Send communications

Whether you use social media, email or texting for volunteer and guest contact lists, take time to craft a new message and send updates on the state of your Lodge. Share upcoming events they may be able […]

April 3rd, 2020|

Hire Landscaping Professionals or Use Volunteers?

Like many, your Lodge might considering whether or not to hire landscaping professionals or to use volunteers. With volunteers, you could save on budget while engaging the local community. But yardwork, gardening, mowing, tree-trimming, landscaping and horticultural labor does carry the risk of injury, so it’s important to manage the risk.

Risks that Exist

The landscaping and horticultural services provided by professionals is wide-ranging. From simple mowing and mulching, to tree trimming, line clearance, irrigation, planting, architectural design and heavy construction, the services are vast. According to the Bureau of Labor Statistics, the professional industry reports about 13,025 injuries per year. Many injuries are minor such as sprains or strains, but the potential for serious injury exists. Hazards include power tools and machinery, overhead electrical lines, heavy loads, falling objects, slips […]

February 25th, 2020|